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Side by Side Credit Cards Comparison
Walmart Rewards™ World Mastercard®VSAmerican Express Gold Rewards Card®
Which one is better?
Walmart Rewards™ World Mastercard®
2.0
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
American Express Gold Rewards Card®
4.3
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
Welcome Bonus
Start with a welcome bonus of $25 reward dollars1. Just spend $75 in a single purchase at Walmart with your new Walmart Rewards Mastercard in the first 30 days1.
Welcome Bonus
- Earn up to 60,000 Membership Rewards® points
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- Earn 3% in reward dollars at any Walmart store in Canada or online at Walmart.ca2
- Earn 1% everywhere outside Walmart3
- Get 6 months free on Delivery pass annual subscription every year.4
How to Earn Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible purchases
Insurance Included
Purchase Protection
90 days
Insurance Included
Purchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
yes
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
Up to 1 year
Hotel Burglary Insurance
$500
Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500
Extra Benefits
N/A
Extra Benefits
American Express® Experiences
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Status lift
Hertz Gold Plus Rewards® loyalty program
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers.svg)
Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Complimentary Hotel Benefits
Hotels booked American Express Travel
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
Interest Rates
Purchase:
21.89%
Cash Advance:
22.97%
Balance Transfer:
22.97%
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
2 Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Annual Fee
$0
Annual Fee
$250
Income Required
Min Personal Income:
N/A
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Aeroplan® Flights
1.9¢ / point
Transfer to Airline Partners
1.6¢ / point
Fixed Point Travel Program
1.16¢ / pointTransfer to Hotel Partners
1.16¢ / point
Statement Credits (Cash)
1¢ / point
Gift Cards
0.91¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / point
Is this card worth it?
The Walmart Rewards World Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It's especially beneficial for those who frequently shop at Walmart's online store. However, it offers a rather average reward rate for other types of purchases, making many other cards a better choice for non-Walmart spending categories.
Is this card worth it?
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
Pros
- No annual fee
- Instalment payments available
- Decent Walmart earnings
Pros
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
- Instant decision. No credit impact.
Cons
- Limited redemptions
- Lower reward rates overall
- No benefits
- Limited insurance
Cons
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
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Legal
1 A $25-dollar Welcome Bonus in Walmart Reward Dollars will be awarded to your Walmart Rewards account within five business days after an eligible single purchase reaching a total spend of $75 (including taxes) using your Walmart Rewards Mastercard is made at Walmart retail locations in Canada or online at Walmart.ca. To qualify for this offer you must (1) apply and be approved for a Walmart Rewards™ Mastercard® account in-store or online at walmartrewards.ca; and (2) make a single-receipt purchase of at least $75 (including taxes) at Walmart retail locations in Canada or online at Walmart.ca. Qualifying purchase must be made within 30 days of your application approval. Offer cannot be used with any other offer or promotion and is limited to one welcome bonus per new account. This offer is subject to the full Walmart Reward Dollars Program Terms and Conditions
2 Earn 3% in Walmart Reward Dollars on eligible purchases charged to your Walmart Rewards Mastercard at Walmart retail locations in Canada and online at Walmart.ca before taxes. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
3 Earn 1% in Walmart Reward Dollars on all eligible purchases charged to your Walmart Rewards Mastercard outside of Walmart retail locations in Canada and online at Walmart.ca. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
4 Use your Walmart Rewards Mastercard to pay for a regularly priced annual Walmart Delivery Pass when purchasing it online at Walmart.ca and receive a 3-month statement credit plus applicable taxes for Walmart Rewards Mastercard or 6-month statement credit plus applicable taxes for Walmart Rewards World Mastercard. Your statement credit will be posted to your Walmart Rewards Mastercard account within 45 business days after the qualifying annual Delivery Pass plan purchase is made. Only one statement credit per account, per year. The account must be in good standing at the time the statement credit is awarded. See Delivery Pass Terms for details and exclusions.
*Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.